Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Mississippi Highway Safty Pat Federal Credit Union

Jackson, MississippiCredit UnionAtlanta Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Inactive/Dormant: Charged when an account is inactive/dormant for 6 or more months with a balance under$5Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Courtesy Pay (Check/ACH/Debit Card/ATM): Charged when an item/ATM withdrawal is presented against a checking account th$30Within the typical range ($25–$33 nationally)
At the national median$5 below the Mississippi median
Source
Non-Sufficient Funds (Check/ACH/Debit Card)$30Within the typical range ($25–$32 nationally)
At the national median$1.25 below the Mississippi median
Source

ATM & CardVerified

Charged for withdrawals from an ATM. The first four (4) per month are free$1.25Within the typical range ($1–$2.25 nationally)
$0.25 below the national median$0.75 below the Mississippi median
Source
Charged when the CU orders a replacement ATM/debit card$10Within the typical range ($5–$10 nationally)
At the national medianAt the Mississippi median
Source

Check ServicesVerified

Charged for the purchase of a cashier's check$5Within the typical range ($3–$6 nationally)
At the national median$1.50 below the Mississippi median
Source
Charged when the CU places a stop payment on a credit-union-issued check$36Above the typical range ($20–$30 nationally)
$8.50 above the national median$6 above the Mississippi median
Source
Stop Payment Member Check or ACH Item$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$5 below the Mississippi median
Source
Charged when the CU makes a copy of a cleared check/draft$5Within the typical range ($2–$5 nationally)
$2 above the national median$0.75 above the Mississippi median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Inactive/Dormant: Charged when an account is inactive/dormant for 6 or more months with a balance under	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Mississippi median	—	—	Source
Charged when the credit union performs account research. (minimum 1-hour charge)	$25Within the typical range ($11.38–$25 nationally)	$7.50 above the national median$5 above the Mississippi median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay (Check/ACH/Debit Card/ATM): Charged when an item/ATM withdrawal is presented against a checking account th	$30Within the typical range ($25–$33 nationally)	At the national median$5 below the Mississippi median	—	—	Source
Non-Sufficient Funds (Check/ACH/Debit Card)	$30
ATM & CardVerified
Charged for withdrawals from an ATM. The first four (4) per month are free	$1.25Within the typical range ($1–$2.25 nationally)	$0.25 below the national median$0.75 below the Mississippi median	—	—	Source
Charged when the CU orders a replacement ATM/debit card	$10
Wire TransfersVerified
Incoming Wire: Charged for incoming wires to a CU member account	$5Within the typical range ($5–$15 nationally)	$5 below the national median$10 below the Mississippi median	—	—	Source
Check ServicesVerified
Charged for the purchase of a cashier's check	$5Within the typical range ($3–$6 nationally)	At the national median$1.50 below the Mississippi median	—	—	Source
Charged when the CU places a stop payment on a credit-union-issued check	$36
Cash & DepositVerified
Returned Deposit Item: Charged for deposits/payments that are returned to the credit union stamped “Non-Sufficient Fund	$10Within the typical range ($8–$25 nationally)	$5 below the national medianAt the Mississippi median	—	—	Source

Fee change alerts

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

12 verified fees collected

Headline fees published

8 of 15

Published fees

Under review

Assets

$13.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$13.1M

Total deposits

$9.3M

Service charge income (year to date)

$11K

Fee income ratio

3.1%

Return on assets

1.88%

Financial profile · Pro

Performance from regulator filings

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